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Velocity Financial, Inc.

Data quality: 100%
VEL
NYSE Financial Services Financial - Mortgages
$17.55
▲ $0.29 (1.68%)
Mkt Cap: 688.58M
Day Range
$17.53 $17.76
52-Week Range
$16.12 $21.40
Volume
72,332
50D / 200D Avg
$19.06 / $18.65
Prev Close
$17.26

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 6.6 10.3
P/B 1.0 1.1
ROE % 17.7 11.7
Net Margin % 14.7 16.8
Rev Growth 5Y % 40.9 11.7
D/E 9.7 0.5

Insider Trading Activity

18 transactions
Date Insider Type Shares Price Value
Feb 20, 2026
Suryadevara Dhivya
Co-President
other 29,594 $61.47 $1,819,143
Feb 18, 2026
GEORGAKOPOULOS PANAGIOTIS
Co-President
grant 182,512
Feb 18, 2026
Best Kenneth
Chief Accounting Officer
grant 15,871
Feb 7, 2026
Lyons Michael P.
Chief Executive Officer
other 3,375 $60.00 $202,500
Feb 7, 2026
Gelb Andrew
EVP, Head of Fin. Sols.
other 1,096 $60.00 $65,760
Jan 28, 2026
Kelly Roland Thomas
Chief Legal Officer and GC
other 16,170 $20.22 $326,957
Jan 21, 2026
Taylor Jeffrey T.
Executive VP, Capital Markets
other 3,430 $19.53 $66,988
Jan 15, 2026
Farrar Christopher D.
Chief Executive Officer
grant 178,570 $19.60 $3,499,972
Jan 13, 2026
Szczepaniak Mark R
Chief Financial Officer
other 4,255 $18.70 $79,569
Jan 13, 2026
Taylor Jeffrey T.
Executive VP, Capital Markets
other 3,459 $18.70 $64,683
Dec 2, 2025
Rosman Adam L.
Chief Admin. and Legal Officer
buy 7,900 $63.19 $499,201
Dec 1, 2025
Suryadevara Dhivya
Co-President
grant 156,485
Nov 18, 2025
Best Kenneth
Chief Accounting Officer
grant 12,228
Sep 2, 2025
Szczepaniak Mark R
Chief Financial Officer
sell 1,572 $18.85 $29,632
Jul 17, 2025
LaClair Jennifer A.
EVP, Head of Merchant Sols.
other 3,119 $167.35 $521,965
Jun 30, 2025
Kelly Roland Thomas
Chief Legal Officer and GC
other 1,204 $15.76 $18,974
May 14, 2025
Gopal Ajei
Director
grant 1,212
May 14, 2025
DiSimone Harry
Director
grant 1,212

Key Takeaways

Revenue grew 40.89% annually over 5 years — strong growth
Earnings grew 53.55% over the past year
ROE of 17.66% — decent returns on equity
Debt/Equity of 9.72 — high leverage
Generating 17.88M in free cash flow
P/E of 6.55 — trading at a low valuation

Growth

Revenue Growth (5Y)
40.89%
Revenue (1Y)47.99%
Earnings (1Y)53.55%
FCF Growth (3Y)-45.80%

Quality

Return on Equity
17.66%
ROIC5.32%
Net Margin14.70%
Op. Margin71.56%

Safety

Debt / Equity
9.72
Current Ratio0.30
Interest Coverage1.40

Valuation

P/E Ratio
6.55
P/B Ratio1.02
EV/EBITDA13.95
Dividend Yield0.00%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 47.99% Revenue Growth (3Y) 132.90%
Earnings Growth (1Y) 53.55% Earnings Growth (3Y) 41.76%
Revenue Growth (5Y) 40.89% Earnings Growth (5Y) 37.70%
Profitability
Revenue (TTM) 714.45M Net Income (TTM) 105.05M
ROE 17.66% ROA 1.42%
Gross Margin 95.32% Operating Margin 71.56%
Net Margin 14.70% Free Cash Flow (TTM) 17.88M
ROIC 5.32% FCF Growth (3Y) -45.80%
Safety
Debt / Equity 9.72 Current Ratio 0.30
Interest Coverage 1.40 Dividend Yield 0.00%
Valuation
P/E Ratio 6.55 P/B Ratio 1.02
P/S Ratio 0.96 PEG Ratio 0.20
EV/EBITDA 13.95 Dividend Yield 0.00%
Market Cap 688.58M Enterprise Value 7.13B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 714.45M 482.78M 131.72M 248.38M 181.31M
Net Income 105.05M 68.42M 52.27M 32.21M 29.22M
EPS (Diluted) 2.75 1.91 1.52 0.93 0.86
Gross Profit 681.04M 210.56M 131.72M 90.03M 75.61M
Operating Income 511.29M 96.39M 76.85M 44.55M 39.79M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 7.38B 5.53B 4.40B 3.75B 2.81B
Total Liabilities 6.71B 5.01B 3.97B 3.37B 2.47B
Shareholders' Equity 672.54M 516.94M 433.44M 376.81M 341.11M
Total Debt 6.54B 4.86B 3.84B 3.28B 2.38B
Cash & Equivalents 92.10M 50.11M 40.76M 45.42M 36.13M
Current Assets 143.68M 212.34M 163.65M 142.75M 125.43M
Current Liabilities 476.82M 495.90M 456.72M 422.34M 0.0

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches

Recent Activity

Entered Price/Sales Ratio Focus (Ken Fisher)
Mar 24, 2026
Entered Contrarian Investing (David Dreman)
Mar 24, 2026